Insurance companies are not inherently bad or inherently good. There are honest insurance companies and dishonest insurance companies. Just as there are dishonest and unknowlegeable insurance company reps and good ones. You are focusing just on the product and not on what your particular situation is. You may need an insurance company product or you may not but you will never know until you look at the big picture. For example if you are married what happens to your spouse should anything happen to you? Can she keep the house, have to go to work, etc. How much would she need to live on? How long would it take her to run out of money?

If the answers to those questions are bad you need life insurance from an insurance co.

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